In a poll by YouGov for HSBC’s expat-banking division, two-thirds of British pensioners in Spain cited the lower cost of living as a reason for their move, compared with only a fifth of those in France, who were keener on the culture and lifestyle.

Few employers, though, address what happens when that expat is ready to return—a fact that partly explains why one-quarter of returning executives jump ship within two years, recruiters and researchers estimate.

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